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The desire for interoperability is largely dependent on the banks themselves, where installed applications(Java based or native) provide better security, are easier to use and allow development of more complex capabilities similar to those of internet banking while SMS can provide the basics but becomes difficult to operate with more complex transactions.
With that said, advancements in web technologies such as HTML5, CSS3 and Java Script have seen more banks launching mobile web based services to complement native applications.
Transactions through mobile banking may include obtaining account balances and lists of latest transactions, electronic bill payments, and funds transfers between a customer's or another's accounts.
Some apps also enable copies of statements to be downloaded and sometimes printed at the customer's premises; and some banks charge a fee for mailing hardcopies of bank statements.
As mobile banking matures, money movements between service providers will naturally adopt the same standards as in the banking world.
In January 2009, Mobile Marketing Association (MMA) Banking Sub-Committee, chaired by Cell Trust and Veri Sign Inc., published the Mobile Banking Overview for financial institutions in which it discussed the advantages and disadvantages of Mobile Channel Platforms such as Short Message Services (SMS), Mobile Web, Mobile Client Applications, SMS with Mobile Web and Secure SMS.